Job Title: CARDS - Enterprise Architect - LONDON

About the Job you are considering:
We are seeking an experienced CTO Lead Enterprise Architect to own and govern end to end technology architecture for the Merchant Acquiring and Payments Acceptance business and to lead the strategic transformation towards the next generation payments platform among FinTech. This role acts as the senior most architectural authority across the acquiring estate ensuring stability scalability resilience security and regulatory compliance of the current ecosystem while defining and executing the future state enterprise architecture for next generation acquiring capabilities.

Hybrid working:
The places that you work from day to day will vary according to your role, your needs, and those of the business; it will be a blend of Company offices, client sites, and your home; noting that you will be unable to work at home 100% of the time.

Job Role

Own the enterprise architecture strategy for the end-to-end Merchant Acquiring domain, including onboarding, underwriting, KYC/AML, payments processing, billing, risk, fraud, disputes, and chargebacks
Define and govern target and transition architectures for migration to new fintech platforms, acting as final design authority for acquiring-related solutions
Set and own the long-term technology strategy and roadmap for Payments Acceptance, providing CTO-level architectural direction
Lead transformation and migration initiatives, defining coexistence strategies between legacy and target platforms with minimal customer impact
Oversee large-scale system integration, data migration, resilience, and high-availability designs across multi-region environments
Chair or represent architecture review boards and governance forums, approving end-to-end solution and regulatory remediation designs
Ensure all solutions meet security, privacy, resilience, operational excellence, and regulatory compliance standards
Sponsor and oversee proofs of concept for emerging technologies and fintech innovations

Job Skills

Deep expertise in enterprise, solution, and domain architecture within payments and merchant acquiring
Strong knowledge of payment authorization, clearing, settlement, billing, reconciliation, risk, fraud, and dispute management systems
Proven experience defining technology strategies, roadmaps, and transition architectures at enterprise and CTO level
Strong understanding of cloud platforms, API-first, domain-driven, and event-driven architecture patterns
Experience with SaaS, PaaS, vendor onboarding, and large-scale fintech platform migrations
Strong background in legacy modernisation, technical debt remediation, and platform decommissioning strategies
Expertise in resilience, high availability, multi-region architectures, and operational readiness
Solid understanding of regulatory, AML, KYC, security, privacy, and data protection requirements in financial services
Excellent architectural governance, design assurance, and risk management capabilities
Strong stakeholder management, decision-making, and executive communication skills.

We are a Disability Confident Employer:

Capgemini is proud to be a Disability Confident Employer (Level 2) under the UK Government’s Disability Confident scheme. As part of our commitment to inclusive recruitment, we will offer an interview to all candidates who:

Declare they have a disability, and
Meet the minimum essential criteria for the role.

Please opt in during the application process.

Make It Real (what does it mean for you):

You’d be joining an accredited Great Place to work for Wellbeing in 2024. Employee wellbeing is vitally important to us as an organisation. We see a healthy and happy workforce a critical component for us to achieve our organisational ambitions.
To help support wellbeing we have trained ‘Mental Health Champions’ across each of our business areas, and we have invested in wellbeing apps such as Thrive and Peppy.
You will be empowered to explore, innovate, and progress. You will benefit from Capgemini’s ‘learning for life’ mindset, meaning you will have countless training and development opportunities from thinktanks to hackathons, and access to 250,000 courses with numerous external certifications from AWS, Microsoft, Harvard Manage Mentor, Cybersecurity qualifications and much more.
You will be joining one of the World’s Most Ethical Companies®, as recognised by Ethisphere® for 13 consecutive years. We live our values by making ethical business choices every day. Working ethically is at the centre of our culture at Capgemini, meaning you will be helping to create a future we can all be proud of.

Why you should consider Capgemini:

Growing clients’ businesses while building a more sustainable, more inclusive future is a tough ask. When you join Capgemini, you’ll join a thriving company and become part of a collective of free-thinkers, entrepreneurs and industry experts. We find new ways technology can help us reimagine what’s possible. It’s why, together, we seek out opportunities that will transform the world’s leading businesses, and it’s how you’ll gain the experiences and connections you need to shape your future. By learning from each other every day, sharing knowledge, and always pushing yourself to do better, you’ll build the skills you want. You’ll use your skills to help our clients leverage technology to innovate and grow their business. So, it might not always be easy, but making the world a better place rarely is.

About Capgemini:

Capgemini is an AI-powered global business and technology transformation partner, delivering tangible business value. We imagine the future of organisations and make it real with AI, technology and people. With our strong heritage of nearly 60 years, we are a responsible and diverse group of 420,000 team members in more than 50 countries. We deliver end-to-end services and solutions with our deep industry expertise and strong partner ecosystem, leveraging our capabilities across strategy, technology, design, engineering and business operations. The Group reported 2024 global revenues of €22.1 billion.
Make it real | www.capgemini.com.